Ms Ann Nolan:

I would not have the information that would allow me to draw the conclusion that there is an enormous difference between banks that are based outside of Ireland and those within Ireland. The same Central Bank rules apply across the board for all mortgage protection and to all banks whether they operate inside or outside of Ireland. I understand that where the loans are sold, there is an issue and we talked about it earlier. For banks themselves, the same legal protections apply regardless of whether those banks have been bailed out by the Irish Government.